Method and apparatus for monitoring player loss in a gaming environment

ABSTRACT

Methods and apparatus for facilitating and monitoring player financial transactions, including the tracking of player losses, are disclosed. In one embodiment, a system includes at least one server and a plurality of game stations. The server has a memory containing data files corresponding to players. The data files contain information such as credits or monies in an account which belong to the player and which may be used by the player to play games. The data files also contain information regarding player expenditures or deductions, such as amounts wagered by a player. In one embodiment, player identification, such as that associated with a player tracking function or a financial institution (banking) account is used to identify the player for purposes of associating data with the player&#39;s files. Using the financial information, a player&#39;s gain or loss while playing games may be monitored by the player and/or casino or other entity offering games.

RELATED APPLICATIONS

[0001] This application is a continuation-in-part of U.S. applicationSer. No. 09/921,716 Filed Aug. 03, 2001, which is a continuation-in-partof U.S. application Ser. No. 09/497,788 filed Feb. 3, 2000.

FIELD OF THE INVENTION

[0002] The present invention relates to a method of monitoring gameplayer financial transactions, including tracking amounts lost by a gameplayer.

BACKGROUND OF THE INVENTION

[0003] Traditionally, the play of casino games and other games of chancewas based on the wagering of actual money, such as coins and currency.Coins and currency have traditionally been used directly as bets intable games such as poker and blackjack. Alternatively, the coins andcurrency are exchanged for chips which have a representative monetaryvalue.

[0004] As mechanical games of chance were developed, such as thewell-known slot machine, coins were used to activate the machines.Later, bill validators were provided which allowed players to avoid theneed to convert their currency to coins before playing a gaming machine.

[0005] Outside of the gaming industry, the consumers were provided witha large variety of options to effectuate their banking and othermonetary transaction needs. For example, the credit card was developedand has become widespread in use.

[0006] In some instances, the gaming industry has come to embrace someof this technology and provide greater flexibility to consumers. Ingeneral, however, the development of this technology has focused uponinterfacing existing external systems, such as banking systems, withinternal casino accounting. For example, U.S. Pat. No. 5,457,306discloses the use of credit cards in association with gaming machines.

[0007] The prior art has not addressed, at least from the consumer orplayer's point of view, providing convenient means for effectingfinancial transactions in the gaming environment. In addition, playersare not provided with a convenient mechanism for tracking their play,including expenditures and winnings. Player tracking or reward systemsand the financial aspects of playing games also remain independent.

[0008] In some jurisdictions, a casino or other entity providing gamingservices is not permitted to allow a patron or player to continue gameplay if the patron or player has lost more than a given amount of moneyin a predetermined period of time. It is thus important for a casino tobe able to track the wins and losses of a player to ensure compliancewith these regulations.

[0009] Several problems frustrate the ability of a player and a casinoto monitor or track player wins and losses. In most game play scenarios,a player places many bets and at one or more times is paid winnings. Itbecomes very difficult for the player to track the total amounts wageredand paid out for determining total loss (or win). A casino may attemptto track a player's play with a player tracking system where a gamingmachine provides coin in and coin out data. In many instances, however,a player may not use the player tracking system. In addition, certaingames which are played may not be associated with the system. A playernot using the system may lose hundreds of dollars without the casinobeing aware of the loss, in violation of the regulations.

[0010] A system and method for monitoring player financial transactions,including tracking of player loss, is desired.

SUMMARY OF THE INVENTION

[0011] The present invention comprises methods and apparatus foreffectuating financial and reward transactions in a casino or gamingenvironment. One embodiment of the invention comprises a method andsystem for monitoring player financial transactions for tracking playerloss.

[0012] One embodiment of the invention comprises a financial monitoringsystem. The system includes one or more gaming machines or devices. Thesystem also includes a financial system host. The financial system hostincludes a memory for storing data. Preferably, the data includes one ormore files corresponding to a player. The one or more files areidentifiable with a player identification.

[0013] Means are provided for generating financial data and associatingthat data with a player's file or files. Means are also provided fordetermining a player's loss. In one embodiment, this means comprisessoftware for determining loss from amounts credited to and debited fromthe player's account.

[0014] In one embodiment, a plurality of player identification inputdevices are provided. The input devices may be associated with or beindependent of the gaming devices. Each input device is linked to thefinancial host for receiving player identification information. Theinput device may comprise a card reader or similar element for readingidentification information from a player card, such as a special playeraccount or tracking card issued by a casino, or a player's credit or ATMcard.

[0015] One or more embodiments of the invention comprise a method formonitoring player financial activities, including player losses. In oneembodiment, a player's deposits and credits are tracked. In oneembodiment, this tracking comprises monitoring a player's request forfunds from outside financial institutions such as a bank. The monitoringmay also comprise the tracking of a player's deposits to their accountand the award of winnings from a gaming machine. In one embodiment,information regarding a player's deposits or credits are stored in afinancial account or file.

[0016] In another embodiment, a player's withdrawals, such as bets orwagers placed by a player are monitored. This information is alsostored, such as in the player's financial account.

[0017] A player's losses (or winnings) are monitored using the player'sdeposit or credit information and player bet or otherexpenditure/withdrawal information.

[0018] In one embodiment of the invention, a casino or other gameoperator may monitor a particular player's activities for determining aplayer's losses. This information may be used to ensure compliance withjurisdictional regulations which prevent a casino from offering gameplay to a player who has lost more than a predetermined amount of moneyin a predetermined amount of time.

[0019] In one embodiment, the system or linked systems may be used bymultiple casinos, whether in one or more jurisdictions, for monitoringplayer play.

[0020] Further objects, features, and advantages of the presentinvention over the prior art will become apparent from the detaileddescription of the drawings which follows, when considered with theattached figures.

DESCRIPTION OF THE DRAWINGS

[0021]FIG. 1 is a flow diagram illustrating a method in accordance withthe present invention;

[0022]FIG. 1(a) is a flow diagram illustrating in detail a methodcomprising a step of establishing an account in accordance with themethod illustrated in FIG. 1;

[0023]FIG. 1(b) is a flow diagram illustrating in detail a methodcomprising a step of activating an account in accordance with the methodillustrated in FIG. 1;

[0024]FIG. 1(c) is a flow diagram illustrating in detail a methodcomprising a step of determining if access to an account is permitted inaccordance with the method illustrated in FIG. 1;

[0025]FIG. 1(d) illustrates various flow diagrams of methods comprisinga variety of methods of utilizing an accordance in accordance with themethod illustrated in FIG. 1;

[0026]FIG. 2 illustrates a gaming casino player financial and awardtransaction/monitoring system in accordance with an embodiment of theinvention; and

[0027]FIG. 3 illustrates a gaming machine which may be utilized in thesystem illustrated in FIG. 2.

DETAILED DESCRIPTION OF THE INVENTION

[0028] The invention comprises one or more methods and apparatus forfacilitating and monitoring monetary and commercial transactions in agaming environment, including tracking of player financial transactionsin a manner permitting player loss monitoring. In the followingdescription, numerous specific details are set forth in order to providea more thorough description of the present invention. It will beapparent, however, to one skilled in the art, that the present inventionmay be practiced without these specific details. In other instances,well-known features have not been described in detail so as not toobscure the invention.

[0029] In general, the invention comprises one or more methods andapparatus for facilitating and monitoring transactions, or other fundstransfers and purchases, and especially those occurring at leastpartially electronically. In one or more embodiments, the methods andapparatus facilitate monetary and reward transactions in a gamingenvironment. The methods and apparatus are adapted to permit thetracking of financial transactions associated with a player in thegaming environment, such as for determining or monitoring player gaminglosses.

[0030] In a preferred embodiment, at least one player account isgenerated for use in monitoring and facilitating the financialtransactions. Financial information or data is associated with theaccount. This data includes, or can be used to generate, player lossinformation. The player loss information can be used by a player toself-regulate their activities, or by a casino, such as for enforcingplay regulations.

[0031] Referring to FIG. 1, there is a flowchart illustrating generallya method of creating an account and utilizing an account in accordancewith an embodiment of the invention. In a first step S1, an account isestablished. The account is established by an account provider. Theaccount provider may be a retailer, bank or other entity, such asdescribed in more detail below, a casino. As provided below, regardlessof whether the account is referred to as a financial, bank, debit,monetary or other named account, the account has certain characteristicsthat define it. The account may be established at the request of a partyfor use by themselves or for use by another or others.

[0032] Referring to FIG. 1(a) there will be described one or moremethods for establishing an account. In a first step S1 a, a customerinterfaces with an account provider. This step may comprise the customeraccessing a website belonging to the account provider, calling anaccount provider customer representative, or accessing one or more othermeans now known or later developed by which the customer may provideinformation to the account provider. Also, the customer may travel tothe location of the account provider or to a designated locationprovided by the account provider (such as a kiosk).

[0033] In a step S1 b, the customer provides data to the accountprovider. This data is used to set up the account. The particular datawhich is required may vary by provider. In one or more embodiments, thedata may include the customer's name and/or the name(s) of the partieswhich are to be permitted to access the account, address, telephonenumber, social security number, birth date, mother's maiden name and/orother information. In the event the customer is a business, theinformation may comprise the business name, address, telephone number,taxpayer identification number and/or similar information.

[0034] The particular manner by which this information is transmitted tothe account provider may depend upon the interface the customer isusing. For example, the data maybe input into a graphical user interfaceassociated with the account provider's website and then sent to theaccount provider's computer, such as over the Internet. The data may beprovided orally over the phone by the customer to the account provider.The customer may also fill out a printed form and transmit the form,such as by mail or facsimile.

[0035] in a step S1 c, an account type is established. In one or moreembodiments, the account type may comprise one or more of the following:general customer, charity debit, promotional, or allowance account. Theaccount may be utilized for a wide variety of purposes and need not belimited to those described below.

[0036] A general customer account is preferably of the type where fundsbelonging to the customer are assigned or credited to the account, andpayments, outgoing transfers and the like are associated with directdebits of these funds from the customer's account. As described below,the customer account preferably permits deposits thereto as well. In oneembodiment, the nature of the account as a debit account differs from acredit type account where those funds which are debited belong to theaccount provider or other creditor with the requirement that thecustomer repay the account provider with their funds at a date after aparticular transaction. In general, the general customer account permitsa customer to make and pay for purchases, obtain funds (such ascurrency), and transfer funds into and out of the account. As describedin more detail below, in one embodiment, such transactions may comprisethe debiting of funds from the account as payment for a wager or betwhen playing a game, and may include the deposit of winnings.

[0037] A charity debit account is preferably of the type where thecustomer may only transfer funds from the account to an authorizedcharity or similar entity, with no other debits permitted (except returnof the funds to the customer or transfer of funds to another accountbelonging to another account at the specific instruction of thecustomer). Generally, the customer will provide the account providerspecific information about the charity to which funds are to betransferred. The customer may arrange the account such that funds aredebited and transferred to the charity at one or more predeterminedtimes and for one or more predetermined amounts.

[0038] A promotional account is preferably of the type where thecustomer is a promoter arranging an account for use by one or more otherparties. For example, the promoter may be a store owner and the partieswho may use the account may comprise customers or potential customers ofthe store. The promotional account is arranged so that the parties orusers may access the account in accordance with the terms of a promotionoffered by the promoter. A promoter may establish an account havingfunds permitting a number of parties to pay for a certain dollar amountof goods purchased at their store via the promotional account. Forexample, a promoter may establish a promotion for a number of parties,such as 1000 existing customers, whereby $10 of each purchase from thepromoter over $20 is payed for by the promoter. The $10 payment may bedebited from the promotional account at the time each party makes aqualifying purchase to credit the parties' payment of the goods orservices. In one embodiment, the promotional account may comprise anaccount entitling a party to play a predetermined amount of money atgames at a casino, or to obtain other goods or services from the casinooperator.

[0039] An allowance account is preferably of the type where funds arearranged to be periodically transferred into the account. Such anaccount may be extremely useful to parents having children. Inaccordance with this account arrangement, funds are periodicallytransferred into the account for subsequent use. The funds may betransferred from another established account, or an account or othersource not associated with the account provider. For example, parentsmay establish a customer account from which funds are periodicallytransferred, such as every two weeks, into an allowance account which isaccessible by one or more of their children. These children may accessthe allowance account to pay for books and the like. In this manner, theparents may control (and as described below, track) the spending oftheir children or other parties which have access to the account.

[0040] An allowance account may also be used to pay bills and pay forentertainment or be for other purposes. Monies maybe deposited in theaccount periodically for paying particular bills, especially those whichare payable on a predetermined regular basis. The allowance account maybe used to define an amount of money for a particular discretionarypurpose. For example, a family may deposit monies into an allowanceaccount which may be used in that or successive months for entertainmentpurposes, such as gaming, travel, movies, or the like.

[0041] Those of skill in the art will appreciate that the particulartype(s) of accounts and their various features or characteristics may bedifferent than those provided above. For example, an account may haveone or more features associated with more than one of the account typesprovided above.

[0042] In a step S1 d, the account provider generates an account numberand associates the account number with the account. The account numbermay be used by the account provider and customer to identify theaccount.

[0043] In a step S1 e, in one embodiment of the invention, the accountprovider assigns the account with a maximum funds value or value limit.In general, this value may be selected by the customer. Most often, themaximum value will comprise the amount of an initial deposit into theaccount by the customer. In one or more embodiments, the accountprovider may only offer accounts having pre-set limits, such as $50,$100, $250 or $500. In another embodiment of invention, the account hasno limit.

[0044] In a step S1 f funds are deposited into the account. In anembodiment where the account has a minimum limit, the maximum amount offunds which may be deposited into the account does not exceed the fundsmaximum value associated with the account.

[0045] In one or more embodiments, the customer may provide data whichpermits the account provider to obtain funds electronically. In one ormore embodiments, this comprises providing the account provider with arouting number for a checking or savings account at a bank, account andaccess information for an ATM card linked to an account, or a creditcard. In one or more embodiments, a customer may be permitted to depositfunds by mail or similar non or partially non-electronic manner. Acustomer may also be permitted to deposit monies in person, such as at acashier cage at a casino or a bank teller.

[0046] In a step S1 g, the established account may be assigned anexpiration date. In one or more embodiments of the invention, this stepcomprises associating date data with the account. The expiration datemay be generated in a wide variety of manners. The expiration date maycomprise a date which is determined by adding a fixed period of time tothe date on which the account is established or, as described below, thedate on which the account is activated. As described below, the accountis arranged such that when the actual date reaches the expiration date,the account can not be accessed except by the account provider.

[0047] In a step S1 h, an account signature is generated and associatedwith the account. The signature comprises a unique code or other elementfor identifying the account and/or establishing entitlement to accessthe account. In one or more embodiments, the account provider generatesthe code based on one or more elements of data associated with theaccount, such as customer provided data, the initial funds depositamount, the account number, the account expiration date and/or one ormore other elements. In one or more embodiments, the account signatureis generated from, or includes, an access code or personalidentification number (PIN) data assigned to or selected by the customeras described below. In one or more embodiments, the data used togenerate the signature may be input into an encryptor to generate anoutput which comprises the account signature. The account signature maybe generated randomly as well. Preferably, whatever means is used togenerate the signature, each signature is unique for a particularaccount.

[0048] In a step S1 i, the account signature or identificationinformation is provided to the customer. In one or more embodiments, theaccount signature is mailed to the customer, told over the phone by acustomer representative of the account provider to the customer, or istransmitted electronically to the customer. As described below, in theevent the customer is provided with an account access media, then theaccount signature may be provided on the account media. The accountsignature may be printed on, embossed in, or encoded on the accountmedia or an element associated therewith.

[0049] In a step S1 j, an account access code is generated andassociated with the account. In one or more embodiments, the accountprovider generates the access code. In other embodiments, the customergenerates the code and provides it to the account provider. The accesscode may comprise a personal identification number or “PIN” comprisingone or more letters and/or numbers.

[0050] In a step S1 k, the access code is provided to the customer. Inthe case where the customer selects the access code, this step iscompleted at the same time as step S1 h. When the account providergenerates the code, the code may be mailed, electronically transmittedor spoken to the customer.

[0051] In a step S1 l, in one or more embodiments, the customer isprovided with an account access media. The access media may comprise acard, check, ticket, chip or a wide variety of other items. In one ormore embodiments, the account signature is associated with the accessmedia. When the access media comprises a card, check or the like, theaccount signature and/or account may be printed or encoded thereon. Theaccount signature may be provided in one or two-dimensional bar codeform or be encoded in a magnetic stripe or a chip or other data storageelement associated with the media.

[0052] The account signature and/or access code may comprise a physicalcharacteristic of the customer. For example, the access code maycomprise a fingerprint or the customer's retinal features. In general,the account number, signature and access code are for use in identifyingthe particular account and ensuring that only those parties withauthority to access an account can do so. A variety of other methods anddevices may be used for these purposes.

[0053] In one or more embodiments, the method need not include all ofthe above-referenced steps. A variety of other steps and may beassociated with the establishment of an account for the customer, andthe steps described above need not be completed in the order in whichthey were described.

[0054] In the above—described embodiment, an account number, accountsignature and access code (i.e. PIN) are used to identify and gainaccess. For example, in one arrangement, only an account identifier,such as an account number, is assigned and used to gain access to anaccount. In another embodiment, a PIN is also utilized. In oneembodiment, an account number may be used to gain access to an accountvia a customer service representative. A more complex account signaturemay be associated with an access media for gaining access to theaccount, as the user need not remember the complex account signature ifit is stored and readable.

[0055] Referring again to FIG. 1, in a step S2, an account which thecustomer wishes to access is activated. Normally, this step will be inresponse to a customer wishing to access a newly established account.

[0056] Referring to FIG. 1(a), there is illustrated one embodiment of amethod of activating an account in the event the account has not beenactivated. In a first step S2 a, the customer accesses the account. Inone or more embodiments, this step comprises a customer contacting theaccount provider, such as via a web site of the account provider or bytelephone with a customer service representative.

[0057] In a second step S2 b, the customer provides their accountnumber, signature and, in one or more embodiments, the access code. Thisaccount identification and access data may be provided by a customertelling an account representative the information, typing theinformation into a data input accepting element of a graphical userinterface of a web site, or otherwise transmitting such to the accountprovider. In one embodiment, the account number and signature may bescanned off of an account media provided the customer, such as with amagnetic stripe or bar code reader.

[0058] In a step S2 c, the account provider activates the account. Inone or more embodiments, this step comprises associating data with theaccount which indicates that the customer and/or other designated and/orappropriate parties may utilize and access the account.

[0059] The account activation may be accomplished in a wide variety ofother manners. For example, in one embodiment, a customer may activatean account by simply calling a phone number of the account provider orentering the appropriate data into the account provider's website. Inthis arrangement, it is not necessary for the customer to access theaccount or provide all of the account information which may be necessaryfor the customer to use the account.

[0060] In one embodiment, an account may be activated for use by acustomer at the time it is established. When the account is created, itmay automatically be activated by the account provider.

[0061] In such an arrangement, any access media associated therewith maybe separately activated. For example, the account may be activated whenestablished, allowing a customer to make deposits, funds transfers orthe like through an account provider representative or website. However,the customer may not be permitted to utilize an account media (such asfor purchases or cash withdraws) until the customer activates theaccount as to the media. The customer may activate an access card bycalling a representative of the account provider after the card isreceived or other means.

[0062] Referring again to FIG. 1, in a step S3 it is determined if acustomer wishes to access an account, as by a customer's attempted useof the account. This step may be remote in time from step S2, or at thesame time. For example, a customer may activate an account shortly afterestablishing it, but not access the account for several days or weeksthereafter. A customer may also wish to activate an account and utilizeit at the same time, such as when the customer wishes to pay for apurchase at a store.

[0063] In one or more embodiments, this step comprises determining if acustomer is accessing a bank, automated teller, customer servicerepresentative, account provider website, remote payment station, gamingmachine or the like. In order to determine if the customer is attemptingto access an account, particular account information and associatedaccess data is required. This data may be provided to the accountprovider or other account access controlling entity in a number ofmanners. In one or more embodiments, the account information may bedirectly provided by the customer, as through data input into a websiteor spoken to an account representative, or by reading the informationfrom the access media.

[0064] The customer may wish to access the account for a number ofreasons. For example, in the event a customer wishes to complete apurchase from a vendor, such as on-line or at a store, the customer mayseek to access the account to pay for the purchase. The customer mayseek access to the account to obtain funds from an automated tellermachine.

[0065] In one or more embodiments, data must be provided to the accountprovider to establish the entitlement of the customer to access thedesignated account. This information may comprise the account signatureand/or access code. Again, the particular means and/or method by whichthis information is provided may vary. In an embodiment where a customeris seeking to access an account using an access media, the accountsignature may be read or scanned from the card, and the access code maybe provided by the customer, such as through a keypad. The customer mayalso provide such information through a variety of data input devices,such as a computer or customer station at a store, or provide theinformation directly to an account representative.

[0066] When a customer wishes to access an account, in a step S4 it isdetermined if the access to the account is permitted. In one or moreembodiments, and referring to FIG. 1(c), this step includes a step S4 aof determining if the provided account access information is correct andcomplete. In one or more embodiments, this step comprises comparing theprovided account identification and/or access information to thatassociated with the account which the customer is seeking to access. Ifthe required information has not been provided or is not correct, accessto the account is denied. The customer may then be directed to contactthe account provider and/or attempt to re-enter the required data incase there was an error in providing or transmitting it to the provider.

[0067] If the requisite access information is provided, then in a stepS4 b, it is determined if the account is closed. If the account has beenclosed, then access to the account is denied. The account may be closedat the request of the customer, upon violation of account terms andconditions or for a wide variety of other criteria or reasons.

[0068] If the account is not closed, then in a step S4 c, it isdetermined if the account is expired. The account may be determined tobe expired if a current date is the same as or time-wise later than theexpiration date assigned to the account. If the account is expired, thecustomer is not permitted to access the account directly. Preferably, inthat situation, the customer may access the account only through theaccount provider. The customer may contact the account provider andarrange for the removal of any funds remaining in the account.Alternatively, the customer may be permitted to re-activate the accountwith a new expiration date.

[0069] If in step S4 it is determined that access is permitted to theaccount, then in step S5, the customer is permitted to utilize theaccount. As described below, a variety of transactions, interactionswith and manipulations to the account are permitted.

[0070] Referring to FIG. 1(d), in one or more embodiments, in a step S6,a customer is permitted to utilize the account to make a payment to athird party. A variety of methods may be implemented to effectuate thisstep. In one or more embodiments, in a step S6 a, it is determined ifthe account is a charity account. If so, in a step S6 b, funds aretransferred from the charity account to a selected charity.

[0071] In one or more embodiments, when a charity account isestablished, the account provider designates the account a charityaccount. At that time, a customer may designate one or more charities towhich funds placed in the account are to be distributed to. These fundsmay be distributed in accordance with the specific instruction of thecustomer at a later date, or at a predetermined time or in accordancewith a predetermine schedule. The amount of the funds to be distributedmay be designated by the customer as well. In one or more otherembodiments, the customer may designate the charity(ies) to which fundsare to be distributed after the account has been established.

[0072] In one or more embodiments, the funds which are distributed tothe charity are transferred electronically from the account by theaccount provider to an account belonging to the charity or anintermediate escrow account or the like from which the charity mayobtain payment. In other embodiments, the funds may be mailed ortransmitted in other manners.

[0073] If the account is not a charity account, then it is determined ina step S6 c if the account is a promotional account. If the account is apromotional account, then in a step S6 c, the account may be used topurchase or pay for goods from specific parties. Preferably, the accountprovider must verify that the purchase is being made from one of theauthorized parties. Normally, when the purchase is being made, thevendor will transmit vendor identification information along with thecustomer's account information. The account provider can verify thevendor from the provided vendor information.

[0074] If in step S6 c it is determined that the account is not apromotional account, then it is determined that the account is acustomer or allowance account which may be used as the source of paymentfor a transaction with, in general, any party. In step S6 e, thepurchase or other transaction is then facilitated by debiting theaccount.

[0075] It will be appreciated that a variety of steps other than thosedescribed may be associated with the payment of a purchase from theaccount. For example, in one step, the account provider must generallyverify that sufficient funds exist in the account to permit thetransaction. If sufficient funds do not exist, then the transaction maynot be permitted. Alternatively, as described below, the account may beprovided with a “credit” or “overdraft” feature which would still permitthe customer to access the account.

[0076] As part of the transaction, the particular vendor may sendinformation which facilitates the transfer of funds from the customer'saccount to the vendor's account by the account provider. For example,this information may comprise a vendor identification or account number.

[0077] As provided above, the method and apparatus by which the customeraccesses the account to facilitate a purchase may vary. For example, ifthe customer is purchasing goods at a store, the customer may swipetheir access media through a card reader and enter their access code. Ifthe purchase is through a web-site or similar on-line access, the datamay be input into a graphical user interface of the site. In oneembodiment described in greater detail below, the apparatus may includea system for use in a casino or other gaming environment.

[0078] In accordance with one or more embodiments of the invention, thepayment for purchase may be arranged as an automated debit from theaccount. For example, a customer may arrange for payments to be madefrom the account on a periodic basis, such as in response to monthlyamounts due a party (such as for a car payment or the like). In suchevent, the customer may provide the necessary debit information to theaccount provider.

[0079] In one or more embodiments, a purchase may be made in the form ofan automatic funds transfer. For example, a customer may arrange with aparticular vendor an arrangement where payment for the goods or servicesis made automatically. The customer provides the vendor with the accountdata which is then used by the vendor at one or more times subsequentthereto to affect payment. As an example, a customer may provide accountdata to their electric company. The electric company may then receivepayment for the electricity supplied to the customer each month directlyfrom the account through the account provider without intervention by oracts required by the customer. In this embodiment, the step of thecustomer accessing the account, step S3, generally comprises thecustomer providing the account data to the vendor or other party andthen the vendor accessing the account as agent of the customer.

[0080] As one aspect of utilizing the account, as illustrated in FIG.1(d), in a step S7, in one or more embodiments a customer may depositfunds into the account. A variety of methods may be implemented toeffectuate this step. In one or more embodiments, this step includes astep S7 a of determining if the account is an allowance type account. Ifso, then in a step S7 b, funds are periodically transferred into theaccount. If the account is an allowance account, a customer will haveprovided the account provider with a source of funds from which atransfer into the account is to be made. The source of funds may be acustomer's credit card, a bank account, or another account in accordancewith the present invention. The customer will also have provided theaccount provider with specific instructions as to when funds are to bedeposited, in what amount and the like.

[0081] If the account is not an allowance type account, then in a stepS7 c, the customer must specifically arrange for the particular transferof funds with the account provider. For example, the customer may accessa web-site or customer representative and provide source funds data.This data may comprise credit card information, bank account and routinginformation or the like. The customer may also arrange for fundstransfer between accounts at a bank or similar provided customerstation, phone controlled system or the like.

[0082] As one aspect of utilizing the account, as illustrated in FIG.1(d), in a step S8, in one or more embodiments a customer may withdrawfunds from the account. A variety of methods may be implemented toeffectuate this step. In one or more embodiments, the funds withdrawalmay comprise the issuance of currency such as U.S. or other dollars, orother media. In one or more other embodiments, the withdrawal maycomprise the transfer of funds to another entity or account.

[0083] In general, when the customer desires to obtain currency, thecustomer travels to an automated teller machine (ATM), bank or similarcurrency dispensing location. In such event, the step of providing therequisite account data (see step S3) may comprise swiping an accountmedia and inputting an access code. In the event the customer does nothave an access media, the customer may provide the requisite datadirectly to a teller or other bank personnel for input into a system.

[0084] If the customer desires to withdraw funds and have the fundstransferred into another account, the customer may be permitted to dosuch over the phone, via the account provider's web site, or at a bankor other location. In this regard, the number of locations at which acustomer may effectuate the transfer is not constrained to locationswhere currency can be dispensed.

[0085] If the customer requests funds, and if such funds exist in theaccount, the customer is provided with funds. This step may include thestep of transmitting the funds request to the account provider and theaccount provider comparing the amount of funds requested versus thetotal amount of funds in the account. If the funds exist, then theaccount provider may send a signal or other indication that it ispermissible to dispense the funds.

[0086] In one or more embodiments, the customer is permitted to requestcurrency or a transfer. If currency is requested, then currency isdispensed. If a transfer is requested, then the funds may be transmittedelectronically to a new account. In the event the funds are to betransferred to another account, the customer provides the necessaryinformation, such as the receiving account number and/or routing numberand/or receiving party information.

[0087] As one aspect of utilizing the account, as illustrated in FIG.1(d), in a step S9, in one or more embodiments a customer may obtainaccount information and manage their account. A variety of methods anddevices may be utilized to effectuate this step. For example, a customermay call an automated telephonic information system, call a customerservice representative or access a web site belonging to the accountprovider. In one or more embodiments, certain information andtransactions may be permitted through an automated teller machine orsimilar remote access site.

[0088] In one embodiment, this step may include one or more of thefollowing steps. In a step S9 a, a customer may be permitted to obtaintheir account balance. The account balance may be provided on a viewingscreen or printed on paper.

[0089] In one or more embodiments, in a step S9 b, a customer may obtainthe account limit for their account. The limit value may be displayed tothe customer if the customer is located at a display, or may be printedonto a media, such as paper, and dispensed or mailed to the customer. Ifthe customer is utilizing a phone system, the information may betransmitted over the phone.

[0090] In one or more embodiments, in a step S9 c, a customer may changeinformation associated with their account. This information may comprisetheir name, address, telephone number, the name(s) of parties permittedto access the account and the like.

[0091] In a step S9 d, a customer may change their access code orsimilar access information. For example, in one embodiment, the accountprovider may assign the customer the access code when the account isestablished. In accordance with this step, the customer may change thisaccess code to a code of their selection.

[0092] In a step S9 e, a customer may obtain information regardingtransactions associated with the account. This information may includeinformation regarding fund deposits, withdraws and other transactions.In one or more embodiments, the customer may obtain informationregarding an amount paid or transferred out of the account, the date ofthe transfer and the party to whom the amount was paid or transferred.The customer may obtain information regarding an amount deposited ortransferred into the account, the date of the transfer and the origin ofthe funds.

[0093] In a step S9 f, a customer may close the account. When closingthe account, the customer may indicate to the account provider thelocation to which any funds remaining in the account are to betransferred.

[0094] In a step S9 g, a customer may re-activate an account in order tochange its expiration date. For example, before an account expires, acustomer wishing to utilize the account for a longer period of time mayelect to re-set the expiration date for the account. In one or moreembodiments, the date is automatically set by the account provider, suchas by adding a period of time to the current expiration date or thecurrent date. In one or more other embodiments, the customer may selecta new expiration date in the future.

[0095] As one aspect of utilizing the account, as illustrated in FIG.1(c), in a step S10, in one or more embodiments a customer may changethe status of the account. A variety of methods may be implemented toeffectuate this step. In a step S10 a, a customer may change the accounttype, such as from a customer account to a charity or other account, orvice versa. In a step S10 b, a customer may merge one account withanother account. For example, a customer having two accounts may wish tomerge the accounts into a single account. A customer having one accountmay establish another and then merge or eliminate the first account infavor of the second.

[0096] Several examples of account merging are provided below: JohnDoe's Debit Accounts Account Type Balance Status $250 Debit Account $100Remaining Active until 1/1/01 $150 Debit Account  $50 Remaining Activeuntil 4/1/01

[0097] After merging accounts into a new account: John Doe's DebitAccounts Account Type Balance Status $250 Debit Account  $0 RemainingClosed $150 Debit Account  $0 Remaining Closed $150 Debit Account $150Remaining Active until 6/1/01

[0098] Alternatively, the owner of the accounts may wish to transfer the$100.00 remaining from the $250 account into the $150 account with$50.00 remaining. This would close the $250 debit account and establisha new balance of $150 in the $150 debit account. An example of thistransaction is as follows: John Doe's Debit Accounts Account TypeBalance Status $250 Debit Account $100 Remaining Active until 1/1/01$150 Debit Account  $50 Remaining Active until 4/1/01

[0099] After transferring the remaining amount into the $150 account:John Doe's Debit Accounts Account Type Balance Status $250 Debit Account $0 Remaining Closed $150 Debit Account $150 Remaining Active until4/1/01

[0100] A customer may also be permitted to close the account. If theaccount is empty, the account is simply closed by the account providerso that further access to the account by the customer is prevented. Inthe event funds exist in the account, the customer may be provided withthe option of transferring the funds to another location or account, orobtain the funds from the account provider by mail.

[0101] In accordance with one or more embodiments of the invention, theaccount provider may provide a credit line or “overdraft” protection forthe account. This option may be provided to the customer for free orupon payment of specific service charges. In accordance with thisembodiment, in the event a customer wishes to withdraw funds from theaccount (whether to obtain currency, transfer to another account orpayment for goods/services) in an amount greater than that which existsin the account, the account provider may supply the funds to thecustomer.

[0102] In one or more embodiments, the account provider may charge thecustomer a specific fee for utilizing the credit line, such as a perusage fee, interest or the like. In one or more embodiments, after aparticular transaction which exceeds the amount of funds in the account,the account is frozen until sufficient funds are placed in the accountor provided to the account provider to cover the funds deficiency.

[0103] One or more embodiments of the invention comprise apparatus foruse in performing the above-described methods. As stated above, thisapparatus may include an access media, such as a card, check, chip orthe like. The apparatus may also include a wide variety of devices forinteracting with the account provider and/or account. These devices mayinclude some existing devices, such as existing bank teller machines,card reading devices, and data receiving and transmitting devices.

[0104] In one embodiment, the apparatus includes a computing device. Thecomputing device includes a memory for storing data. Preferably, thedata comprises files of information representing accounts and accountinformation. Means are provided for effectuating the methods ofdebiting, crediting and manipulating/managing the accounts. In oneembodiment this means comprises software, such as machine-readableprogram code, for effectuating these tasks.

[0105] In one embodiment, the computing device may be associated with anetwork or system. The network may include the Internet, a LAN, WAN, ordevices connected by dedicated line or other means of communication.

[0106] In one or more embodiments, a customer is permitted to establishand interact with their account via a website or similar on-line access.The website may include a graphical user interface designed to provideinformation to the customer and prompt and accept that information. Thewebsite may have multiple levels or pages. For example, the website mayhave a home page or “log-in” page which prompts a customer to eitheridentify that they are a new customer and wish to establish or activatean account or identify themselves as an existing customer and have themprovide the requisite account information.

[0107] If the customer is a new customer, the customer may be sent to awebpage at which information is provided to the customer about thevarious accounts which may be established. This or other pages mayinclude prompts for providing the data necessary to establish anaccount.

[0108] If the customer is an existing customer and provides thenecessary information to access the account (as in Step S3-S5 set forthabove), then the customer may be presented with a menu page. At thispage the customer may be selected with a menu of items from which toselect. These items may be similar to those of steps S7-10. For example,a customer may be provided with a “manage account” item. Upon selectingthis item, the customer may be presented with a number of sub-menuitems. These items may comprise those items identified in steps S9 a-f.

[0109] In one or more embodiments, a webpage may display accountinformation for more than one account belonging to a customer. A varietyof means may then be presented to the customer for use in manipulatingthese accounts. For example, a customer may then be permitted to “dropand drag” funds or the like from one account to another.

[0110] As indicated, the account provider may have one or more devicesadapted to store account information and receive and transmit accountdata, data representing funds transfers and the like. The data storagedevice may comprise one or more hard drives or similar elements used tostore account data. Modems, servers or similar devices may be used totransmit and receive data.

[0111] The devices used to implement the present invention may beincorporated into existing systems facilitating monetary and commercialtransactions. For example, the access media associated with an accountin accordance with the present invention may be utilized with currentcard-reading devices.

[0112] In accordance with one or more embodiments of the invention, anaccount provider may issue accounts associated with access media whichare available for purchase by customers. For example, an accountprovider may associate an account with an access media. The access mediamay have associated therewith an expiration date, account data and amaximum value. A customer may “purchase” the account and associatedaccess media at a retail location. When the account provider is a bank,the bank may place access media on sale at retail locations such asgrocery and retail stores.

[0113] A customer purchases the account and card by paying the retailer(who in turn pays the account provider). In one or more embodiments, thecustomer may thereafter access the account by activating the account.This may comprise calling the account provider after purchase. At thattime, the account provider may provide the customer with an access codefor use in using the access card. The access code could be provided onthe card, but this arrangement has added security in that the accountprovider can ensure that the account is only accessed once it has beenpaid for.

[0114] In this embodiment, a customer may conveniently obtain a“pre-paid” account for themselves or for another party. The account maybe used in similar fashion to a credit or ATM card, permitting purchasesfrom any vendor and permitting access to cash from any of a variety ofcash-dispensing locations.

[0115] It will be noted that in this embodiment, the step ofestablishing the account is generally accomplished by the accountprovider without input from the customer. In one or more embodiments,after purchasing or obtaining the access card, a customer maybe requiredor permitted to provide additional information in order to access theaccount.

[0116] As indicated, in one embodiment of the invention, the access cardor media may indicate an expiration date thereof and/or the associatedaccount. If the access media and/or associated account is expired, thepurchase is not permitted. If the access media is about to expire, thecustomer may purchase it and, if the customer wishes to extend theexpiration date, contact the account provider after purchase to do so.In one or more embodiments, the expiration data may not be printed onthe access media, but when it is purchased scanned, read or the like bythe vendor to ensure that it is still valid. When a purchase of anaccess media is made, the expiration data may then be reset apredetermine time from the purchase, with this information scanned ontothe card or otherwise associated with the account.

[0117] In the above-described arrangement, each access media, once paidfor, generally has the same characteristics as cash. A customer may payfor goods using the purchased access media. A customer may deposit thefunds associated with the access media into another account, or transferit to another party.

[0118] One or more embodiments of the invention comprise a method andapparatus for permitting and tracking or monitoring financial, rewardand other transactions in casino or gaming environment. One or moreembodiments of the invention comprise specific or relatedimplementations of the methods described above and illustrated in FIGS.1-1(d).

[0119] Applications of these methods and other methods of the inventionare described below. In one embodiment, the methods may be implementedvia a casino player financial and award transaction system 100 asillustrated in FIG. 2.

[0120] Referring to FIG. 2, in a preferred embodiment, the system 100includes one or more gaming machines 102 or other gaming devices. FIG. 3illustrates in greater detail one embodiment of such a gaming machine ordevice 102. In general, the gaming machine 102 is adapted to present atleast one game for play to a player. As illustrated, the gaming machine102 includes a housing 104 which supports and/or houses the variouscomponents of the gaming machine 102. In the embodiment illustrated, thegaming machine 102 is adapted to present a game of “slots,” and includesthree rotating reels 106 a,b,c. A handle 108 or spin button 110 may beused to effectuate rotation of the reels 106 a,b,c.

[0121] In this well known game, a player may be declared a winner of thegame and awarded an award if the result of the rotation of the reels 106a,b,c is a predetermined combination of symbols. It should be understoodthat the gaming machine 102 may be adapted to present one or more of awide variety of games. Depending upon the game presented, theconfiguration of the machine may vary. For example, in the event thegaming machine 102 is adapted to present the game of video poker, thenthe gaming machine 102 may include a video display.

[0122] In one or more embodiments of the invention, the gaming machine102 is adapted to present a wager-type game. In this arrangement, aplayer is required to place a bet or wager in order to participate inthe game. In the event the outcome of the game is a winning outcome,then the player may be provided with an award such as coins or currency,or credits which may be redeemed for prizes or money. In onearrangement, the award may be winnings in proportion to the amountwagered or bet by the player.

[0123] In order to accept a wager, the gaming machine 20 may include acoin acceptor 112 for accepting coins. The gaming machine 20 may alsoinclude a bill acceptor or validator 114 for accepting paper currency.In a preferred embodiment, the gaming machine 102 is also provided withmeans for accepting input regarding an account, such as a card reader116 for reading an access media in the form of a card including amagnetic stripe. If the access media has another form, then the inputdevice may be suitably arranged, such as a bar code reader for reading aprinted bar code.

[0124] In one embodiment, the card reader 116 is associated with aplayer tracking system. In another embodiment, the card reader 116 maybe separate from a card reader or other device associated with theplayer tracking system.

[0125] In a preferred embodiment, the gamine machine 102 is associatedwith a player tracking system. Such a system may also be referred to asa player reward or player loyalty system. The details of this system aredescribed in more detail below. In general the player tracking systemincludes a gaming machine player tracking device associated with aplayer tracking host system via a network including a communicationlink.

[0126] The player tracking device of the gaming machine 20 also includesa card reader. As indicated, in one embodiment the card reader of theplayer tracking device is the same as the access media card reader 116.

[0127] In one embodiment, the gaming machine 102 includes one or moreadditional input devices. The gaming machine 102 preferably includes akeyboard or keypad 1118 which permits input from a player. The keypad1118 permits input of an account access personal identification number(PIN).

[0128] The gaming machine player tracking device may have a variety ofother configurations and include the other devices.

[0129] Referring again to FIG. 2, in one embodiment the system 100includes a plurality of gaming machines 102. Preferably, each gamingmachine 102 is associated with one or more other devices through a wiredor wireless communication network including at least one communicationlink.

[0130] In one embodiment, each gaming machine 102 is in communication atone or more times with a financial transaction host 120. The financialtransaction host 120 may comprise a single computer or a group ofcomputers associated with one another on the network. Appropriatehardware and/or software is provided for permitting the one or morecomputing devices of the financial transaction host 120 to send andreceive information. For example, in one embodiment, data may be sent toand from the financial transaction host 120 in accordance with anynumber of protocols, such as TCP/IP, Ethernet, IEEE-1394, Bluetooth andothers. Appropriate hardware and software is provided for implementingthese protocols. Of course, the communication protocol and the form ofthe network are chosen in tandem. For example, the Bluetooth protocolmay be implemented with a wireless network including wireless data relaystations. An IEEE-1394 protocol may be implemented over a wired network,such as copper wire or fiber optic lines.

[0131] In one embodiment, the financial transaction host 120 includes atleast one data storage element for storing the account information. Thedata storage element may comprise a hard drive, RAM, tape drive, CD-ROM,DVD-RAM or other memory or data storage member or element. The financialtransaction host 120 may include a number of other devices, such as oneor more displays, keyboards and other devices for displaying data,controlling operation thereof and the like.

[0132] In one embodiment, the financial transaction host 120 includeshardware and/or software for creating financial accounts such asdescribed above, and for implementing account transactions, as alsodescribed herein. In one embodiment, the financial transaction host 120is associated with one or more additional networks besides thatincluding the gaming machines 102.

[0133] In one embodiment, the financial transaction host 120 isassociated with the Internet and one or more closed or partially closednetworks, such as financial/banking networks. In one embodiment, thefinancial transaction host 120 includes a communications gateway 122.The gateway 122 is preferably adapted to permit communications betweenthe financial transaction host 120 and other devices where thecommunications protocol maybe different. For example, the casino playerfinancial and award transaction system 100 may employ a IEEE-1394communication protocol. On the other hand, the host 120 may be adaptedto receive information from and transmit information to the Internet,which utilizes a TCP/IP protocol.

[0134] In one embodiment, communications pathways may be providedbetween the financial transaction host 120 and a variety of devices in avariety of manners. For example, communications may be permitted viaphone line or dedicated line. A player or customer may access thefinancial tracking host 120 via the Internet 124 from a remote location126. A player may also access the financial transaction host 120 via adirect line, such as a direct-dial phone line connection. Connectionswith other financial institutions 128 may be by dedicate or secure lines130.

[0135] In one embodiment, the system 100 includes one or more kiosks132. Such a kiosk 132 may comprise an apparatus at which a player maygain access to the financial transaction host 120. The kiosk 132 mayhave a variety of forms. In one embodiment, the kiosk 132 may comprise acomputing device including a processor, display, and at least onecommunication interface with the system 100.

[0136] In one embodiment, one or more customer service centers 134, suchas cashier booths, mobile stations or the like may be associated withthe system 100. Preferably, a player may engage in one or moretransactions at such a center 134, such as depositing funds into theiraccount.

[0137] In one or more embodiments, the system 100 includes a playertracking or reward system host 136. The player tracking or reward systemhost 136 is in communication with the player tracking device of eachgaming machine 102 via the at least one communication link of thesystem.

[0138] In like fashion to the financial transaction host 120, the playertracking host 136 may comprise a single computer or a group of computersassociated with one another. Appropriate hardware and/or software isprovided for permitting the one or more computing devices of the playertracking host 136 to send and receive information. In one embodiment,the player tracking host 136 includes at least one data storage elementfor storing the player information. The data storage element maycomprise a hard drive, RAM, tape drive, CD-ROM, DVD-RAM or other memoryor data storage member or element. The player tracking host 136 mayincluding a number of other devices, such as one or more displays,keyboards and other devices for displaying data, controlling operationthereof and the like.

[0139] In one embodiment, the player tracking host 136 and the financialtransaction host 120 may comprise the same apparatus or group ofapparatus. In the embodiment illustrated, the player tracking host 136and financial tracking host 120 are separate, but in communication withone another. In one embodiment, some but not all of the components ofthe hosts may be shared, such as a memory or data storage device ordevices.

[0140] In one embodiment, the player tracking host 136 is adapted toimplement a player tracking/reward or “comp” function. The playertracking host 136 may thus be adapted to aggregate game play dataregarding various players playing the gaming machines 102. This data mayinclude information such as the length of time of game play, amountsbet, amounts awarded, and a wide variety of other information. Ingeneral, the player tracking device of each gaming machine 102 isadapted to transmit the player tracking data over the communicationslink(s) to the player tracking host 136. Based on player activities, aplayer may be awarded a “comp”. Comps are generally awards, such asprizes, money, free game play, lodging or the like which are provided tothe player apart from any awards which the player receives from directgame play. Such are referred to as “comps” as they are “complimentary”and generally do not require specific obligation, such as an additionalbet, in order to be received. The system is often referred to as areward or loyalty system because a player is generally awarded an awardresulting from an extended or frequent game play. In one arrangement, aplayer may acquire points based upon a game criteria, such as amountsbet, won or lost. If a player accrues sufficient credits, the player isawarded a reward.

[0141] Preferably, one or more data files are stored at the memory (orother data storage device/element) which is located at or in associationwith the financial transaction host 120. In one embodiment, the datafile corresponds to a player. The data file is accessible oridentifiable by identification information, such as an account number orplayer identifier.

[0142] As described herein, this identifier may be stored on a playercard. As detailed above, in one embodiment a password, player PIN or thelike may be required to access an account or file in addition to theplayer identifier. In one embodiment, the player PIN is stored at thedata file and is used to confirm the PIN entered by the player.

[0143] In one embodiment, a player may have more than one account. Eachaccount may be represented by one or more different data files. Inanother embodiment, the information regarding all accounts may be storedin a single data file. Different identifiers or different PINs may beused to identify and access each account.

[0144] Where a single host or server is provided for both financial andreward/tracking functions, the data files or accounts may include bothinformation regarding a player's finances and game play information,such as rewarded points. Where separate servers or hosts are provided,separate or different accounts or files may be provided. In one or moreembodiments, certain aspects of the invention may be implemented withoutany player tracking host at all.

[0145] In one embodiment, the system includes data files containinginformation regarding credits or monies which the player may use to playa game or obtain other goods or services. In one embodiment, the creditsor monies may have been deposited by the player. The credits or moniesmay also be awarded or rewarded, or purchased, as described below.

[0146] Means are provided for deducting credits or monies which are usedby a player. This means may comprise software, such as computer programcode. In one embodiment, a signal is transmitted from a gaming machineto the financial transaction host 120 in response to input from a playerto place a bet (such as by pressing a bet button at the game). If theplayer has credits associated with their account, a signal istransmitted back to the gaming machine 102 approving the bet, and themonies or credits are deducted from the player's account. The deductedmonies may be tracked for accounting purposes, such as by crediting thedebited amount to a casino account or holding account.

[0147] Means are also provided for crediting monies or credits which arewon by a player. This means may again comprise software. When a gamingmachine indicates a win, the amount won may be credited to a player'saccount.

[0148] In one or more embodiments, means may be provided for assigningaccount criteria and determining if account criteria are met. As notedabove, such criteria may comprise a limit on the amount of funds whichmay be debited from an account during a period of time, that no winningsare to be credited to the account, that a portion of funds credited areto be donated to a charity, that tax withholding is to be removed fromall winnings, or a wide variety of other criteria.

[0149] In a preferred configuration of a system of the invention, eachplayer is provided with a single access media, such as a player card. Byusing this single card at a gaming machine, both financial transactionand player tracking/reward functions are enabled. If a player has morethan one account, such as a debit financial account for playing gamesand a credit account to which winnings are paid, then when playing thegame the system is adapted to use the player's main or debit account. Aplayer may still access and manage all of their accounts, such asremotely from a computer, at a kiosk or customer service location. Inone embodiment, a player may need to utilize a different identifier toaccess other accounts. For example, such accounts may be provided withother account numbers, or the players PIN number may differ for accountsall having the same main account number.

[0150] In one embodiment, the system is arranged to permit a player toaccess all of their accounts once their single identifier (such asaccount number) and PIN (if necessary) are provided. For example, thesystem may generate and send information to the player for display on adisplay screen. This information may include information regarding allof the player's accounts. A player may then select a particular accountto manage, such as for causing the system to display detailedinformation regarding that account.

[0151] It will be appreciated that a system for implementing one or moremethods of the invention, including specifically in a gamingenvironment, may vary from that described and illustrated. In oneembodiment, the system may be adapted to include table and other typesof gaming devices.

[0152] One or more methods of the invention specifically relating to thecasino or gaming environment will now be described. Referring to FIG. 1,in one embodiment, a casino patron or player may establish an accountwith a casino. As noted above, there are a variety of ways for a playerto establish an account, including registering on-line (such as over theInternet) or at the casino or a kiosk.

[0153] With respect to the casino or gaming environment, a wide varietyof accounts may be established. These accounts may have a wide range ofcriteria associated therewith. For example, a player may set up a playeraccount in similar fashion to a general customer account. This accountmay be arranged to permit both withdrawals and deposits, and may or maynot have a limit associated therewith.

[0154] One particular account which may be permitted is a limit account,which permits only a predetermined amount of withdrawals over a periodof time. For example, the account may permit a player to withdraw only$500 per month. A player may wish to establish such an account to limittheir total expenditures over time.

[0155] Another account may have a deposit limit. The deposit limit worksin a similar fashion to a limit account, except that the maximum amountwhich may be withdrawn is limited by the maximum amount which may bedeposited. For example, the account may have a limit of $100, permittinga player to only deposit $100. In one embodiment, the limit may be for apredetermined period of time, such as a maximum of $100 per month, withthe total amount which may be associated with the account increasingover time. An account with a deposit limit may have a deposit limit onlyfor the player. If a player wins a large jackpot, for example, thecasino may credit the jackpot to the account even though the jackpotexceeds the deposit limit.

[0156] In one embodiment, the account may be provided with specialfeatures which are associated with linked accounts. For example, aplayer may be permitted to designate a particular portion of theirwinnings to a charity account, account for treatment of gamblingaddiction or the like. The account may have criteria for transferring 1%of all winnings deposited into the account to such other accounts. Otheramounts may be transferred, and the time of the transfer may vary, suchas at periodic times or at the time the winning is credited.

[0157] In one or more embodiments, a player's financial account may alsocomprise a player tracking account. In this arrangement, the account maybe associated with one or more files both delineating the financialaspects of the account, but also information typically contained in aplayer's player tracking file. The player tracking information mayinclude player identification information, generally common to thefinancial data. The player tracking information may also includeinformation such as the length of time a player has played a game, theamounts won and/or lost, information regarding past game play,calculated theoretical win and loss information, and other informationas is known in the art. Alternatively, a player's tracking and financialaccounts may be linked.

[0158] As noted above, in a preferred arrangement, a player is issued asingle access media which is associated with both the financial accountand player account (whether such accounts are separate or merged). Inthis arrangement, activities associated with player tracking andfinancial accounting may occur simultaneously from the player'sperspective. Referring to FIGS. 2 and 3, a player may travel to a gamingmachine 102 and insert their player card into the card reader 116. Inresponse to the card insertion, the player tracking device at the gamingmachine 102 may be caused to request input of a player's identificationor PIN number. This requested may be displayed on a video display at thegaming machine.

[0159] The player may input their PIN via the keypad 1118 at the gamingmachine 102. The player's account identifier (such as account number)reader from the card and the player's inputted PIN are then transmittedfrom the gaming machine 102 to the financial transaction host 120 and/orplayer tracking host 136. The financial transaction host 120 and/orplayer tracking host 136 may then verify the identity of the player andentitlement to use the card (such as by verifying the inputted PINagainst the player PIN stored in a file associated with their account).

[0160] A player may then engage in the play of a game. In a gamerequiring a bet or wager, the player may first attempt to place a bet,such as by pressing a “bet” button at the gaming machine 102. Inresponse to a request to place a bet, the gaming machine 102 may send asignal to the financial transaction host 102 for verification that theplayer has sufficient funds (i.e. credits or monies) associated withtheir account to place the bet. If so, then the bet amount may becredited to the gaming machine, and the bet amount may be debited fromthe player's financial account.

[0161] If the accounts does not include sufficient funds, the player maybe notified, such as by a visibly displayed or audio notification. Theplayer may then provide an alternate method of payment, such asinsertion of coins or bills. The player may also travel to a cashiercage and deposit funds into their account.

[0162] In one embodiment, a player may be permitted to deposit fundsinto their financial account at the gaming machine 102. A player mayinsert coins or bills, and have the deposited amounts credited directlyto their account.

[0163] In one embodiment, the financial transaction host 120 maytransmit credit information to a gaming machine 102 regarding the totalcredits in the account belonging to or useable by the player. The numberof credits may be adjusted based upon the denomination of bets which thegaming machine accepts. For example, if a player has $100 in theiraccount and begins playing a 25 cent minimum bet slot machine, then themachine may indicate that the player has 400 credits.

[0164] Advantageously, while the player plays the game, the playertracking host 136 may track the player's play. For example, the gamingmachine 102 may transmit game play information such as length of playtime to the player tracking host 136.

[0165] In the event the player is awarded winnings while playing a game,then those winnings may be paid directly to the player in a mannercommonly known, or may be credited to the player's account. For example,if a player wins 400 credits while playing a 25 cent machine, theplayer's account may be credited $100. As noted, the manner by whichwinnings are credited may depend upon criteria associated with theaccount. If the player has a charity function, 1% or $1 of this winningmay be credited to the appropriate charity account and the remainder tothe player's financial account. If the player wishes, the winnings maybe deposited in a separate winnings account belonging to the player.Such an account may be arranged to prevent withdraws at a gamingmachine. In this manner, a player may play until the funds in their mainaccount are exhausted, and then the player may obtain their winningsfrom play of the main account moneys.

[0166] In a preferred embodiment of the invention, a player may accesstheir account and engage in a wide variety of activities in similarmanner to that illustrated in FIG. 1(d). For example, a player may bepermitted to access their account from a remote location. Referring toFIG. 2, a player may be permitted to access their account via theInternet. The financial transaction host 120 may be configured togenerate a graphical user interface which is displayed to the player andvia which the player may provide input.

[0167] The player may be provided with a variety of options. In one ormore embodiments, a player may be entitled to make changes to theiraccount, such as change their PIN, address or the like. A player mayalso be able to deposit funds. In one embodiment, a player may providebank account or credit card account information which is then used bythe financial transaction host 120 to effect an electronic fundstransfer to their account via a separate financial communications link.

[0168] A player may be able to change characteristics of their account,such as limits on withdrawals. In some instances, changes may only bemade by or with the permission of the account provider.

[0169] A player may be permitted to move funds between accounts. Forexample, a player may be permitted to withdraw funds from one of theiraccounts and move the funds to another of their accounts or to theaccount of another party.

[0170] In a preferred embodiment, a player is permitted to viewinformation regarding their player tracking account in a similar manneror at the same time as they obtain their financial account information.As is known, it is common to award points to game players based upontheir game play. These points may be redeemed for prizes, such as freegame play, food, tickets to shows and other goods and services.

[0171] In one embodiment, a player may be provided with both theirmonetary account balance and their point total. In some instances, aplayer may be permitted to “buy” player reward points, or cash in playerpoint. In the first arrangement, a player may desire to obtain a playerreward but may be a few points short of the level of points necessary.The player may be permitted to transfer money from their financialaccount to the casino to buy the additional points necessary. In thesecond arrangement, the casino may offer a “cash-back” on points. Aplayer may turn in their points at a predetermined rate for money whichis deposited in their financial account.

[0172] In one or more embodiments, a player may be permitted to usedeposited funds at the casino, and may not be permitted to withdrawfunds. This account arrangement is particular suited to that where acasino offers cash-back on play or points, as the casino is then assuredthat the player will bet those monies again at a later date. Thisaccount configuration also is particularly suited to the casino offeringa bonus. For example, a casino may deposit an amount equal to apredetermined amount of a player's deposit in addition to the player'sdeposit. For example, a casino may indicate that the size of a player'sdeposit is 105% of the player's actual deposit.

[0173] One or more embodiments of the invention maybe used to facilitateremote play of a game or games by a player. In one embodiment, gameinformation may be transmitted to a player at a remote location, thusenabling a player to play the game at the remote location. For example,referring to FIG. 5, the system 100 may include a game server 138 whichgenerates game play information and receives or accepts game play inputfrom a remote player. The game server is preferably in communicationwith the gateway 122 or other communication interface so that game playinformation may be transmitted to a player over a dedicated line or theInternet. A player's input may be transmitted from the player's locationto the game server 138. The player's location may comprise a remotededicated station, a desktop or laptop computer or the like.

[0174] Advantageously, a player's remote play in this fashion may betracked by the player tracking network, with game play informationtransmitted from the game server 138 to the player tracking server 136.In addition, a player may use their financial account to both fund theirbetting activities and receive winnings.

[0175] In like manner to the play of a gaming machine 102, a remoteplayer may input their account information, such as by swiping theircard through a card reader associated with the remote station, such asthe player's computer. The player may also manually input the accountinformation. Also in like manner to play of a gaming machine 102, theidentification information may be used to validate the player's right toplay a game, to place bets, to track game play and the like. Forexample, the player identification information may be used by thefinancial transaction server 120 to verify that the player has funds forplacing a wager or bet. Such verification may be received from the gameserver 138 in response to input of bet or wager information from aplayer.

[0176] In general, the various methods of the invention described may beapplied to this remote gaming environment, with the player havingwinnings credited to their account and the other activities describedherein.

[0177] A particular advantage of this arrangement as applied to remotegaming is security. When a player uses their player account to fundtheir wagering activity, the casino can be sure that the player isentitled to place bets, since the casino has direct access to andcontrol over the player's account. In addition, the player is protected,since the player is using an account associated with the gaming entity.The player is not required to enter credit card or bank informationwhich may be intercepted by others and then used for a variety ofpurposes.

[0178] Of course, the game server 138 or other apparatus maybeconfigured to generate graphical user interface information which istransmitted to a remote player. The player may utilize this interface tointeract with the system 100, such as be inputting identificationinformation when required and engaging in other account and game playtransactions.

[0179] In one embodiment of the invention, the various servers, such asthe game server 138, financial sever 120 and player tracking server 136are all part of the same network, such as a LAN of a casino. In anotherembodiment, it will be appreciated that the various servers or otherapparatus may be associated with different networks. For example,several casinos may utilize a system such as described, but where only asingle financial server and/or player tracking server are provided atone location. Gaming machines may be associated with a number ofdifferent networks at different properties, but communication with thesingle financial and/or player tracking server.

[0180] In one embodiment, a casino may offer cards which are associatedwith “pre-paid” accounts in similar fashion to that described above foruse generally in purchasing goods and services. For example, a casinomay sell cards at grocery stores and other locations. The price of thecard may be discounted in relation to the actual value of the account.For example, a player may pay $20 for a card which is associated with anaccount having $25 worth of credits therein. These cards may be used byany party, and may be transferable, making them useful as gifts.

[0181] One or more aspects of the invention comprise a method andapparatus or system for monitoring or tracking player gaming losses.

[0182] In accordance with the method previously described, informationregarding a player's gaming activities is associated with a playeraccount. This information may include, for example, amounts withdrawnfrom and deposited to the account. The deposit information may includespecific information regarding the type of deposit, such as a gameaward, a player deposit of funds, or a transfer of funds from afinancial institution. Likewise, the information regarding withdrawalsmay include information regarding the type or nature of the withdrawal.For example, the withdrawal may be for an amount bet at a gaming machineor may be a player's direct withdrawal of monies.

[0183] Using this financial data, information may be generated regardinga player's win or loss during a period of time. For example, player lossmay be determined by subtracting amounts withdrawn for purposes ofplaying a game from amounts deposited (including amounts deposited bythe player or as an award for game play). In one embodiment, means areprovided for determining or generating player loss (or gain)information. This means may comprise software arranged to utilize thefinancial information to generate loss/gain information. The softwaremay including filtering capabilities for determining loss or gain duringa specific period of time, and including only certain types oftransactions.

[0184] As indicated above, in a preferred embodiment, player trackingand financial transaction functions are implemented by a playeridentifying themselves with an access media. In other embodiments,however, a player may identify themselves by other means, such as byentry of a code via a keyboard or the like. As one aspect of a method ofthe invention, a player's financial transactions may be monitored ortracked, including for purposes of determining losses, even if theplayer does not use the access media or other identification which isprovided by the casino.

[0185] As detailed above, in one embodiment, a player may obtain fundsfrom an outside source, such as from a bank or other financialinstitution by use of an ATM card or credit card. This request is routedthrough the financial server 120. When a player places such a request,if an account is not already created for the player, one is created. Inthis arrangement, the player may be identified by unique informationassociated with the ATM, credit card or other outside banking account.For example, when a player uses their credit card or ATM to requestmonies, unique information is transmitted to the financial institutionso that the financial institution may complete the transaction. Thecasino or other entity may use this information to identify the playerand establish an account or file of information with that player.

[0186] The request for funds may in this manner be tracked or monitoredindependent of a casino issued media or the like. If the same playerlater makes another request for funds, this request may also be tracked.Such requests for funds may be used to indicate loss. Thus, in the eventthe one or more requests for funds exceeds a predetermined amount in apredetermined period of time, the casino may seek to contact the playerand prevent their further play. In addition, the casino may prevent theplayer from seeking additional funds via the system. As an example, ajurisdiction may have a loss limit of $200 in a two hour period. Aplayer may seek $200 in funds using their credit card at the beginningof gaming play. If the same player seeks additional funds within a twohour period, the casino may block the attempt to obtain funds.

[0187] This aspect of the invention is advantageous in that it allows acasino to monitor player activities, and in particular financialactivities which may relate to losses, even though a player does notutilize the casino's player tracking system. Thus, the system allows acasino to monitor a player's activity even if the player plays one ormore games which do not include monitoring capabilities, where theplayer is not a patron of the casino's player tracking system, or doesnot use their card or otherwise specifically identify themselves.

[0188] As another aspect of the invention, the system and method of theinvention maybe applied to an environment of multiple game providers,such as casinos in multiple locations. In one embodiment, the inventionmay be used among casinos in a single jurisdiction to monitor playerplay, including player losses. In this arrangement, multiple casinos ina single jurisdiction may cooperate to ensure the requirements, such asloss limits, for that jurisdiction are met. In another embodiment, theinvention may be used among casinos or game providers in multiplejurisdictions, with information shared to ensure compliance with theregulations of all jurisdictions.

[0189] In this embodiment, a system similar to that illustrated in FIG.2 may be provided at each casino or other gaming entity. When a playerengages in a transaction, such as requesting funds, placing bets or thelike, the financial server at that casino is preferably arranged torequest financial information regarding the player from other casinos.This request may comprise a query transmitted over a communication linkto the financial server of one or more other casinos. The query ispreferably for information regarding the player which is pertinent tocompliance with the jurisdictional requirements relating to loss limitsor the like.

[0190] As one example, when a player begins play of a game at aparticular casino, such as indicated by their identification with aplayer media, then the financial server of that casino may send a queryto other casinos. This query may be for loss information for that playerduring a previous period of time. If the player has already exceeded themaximum loss during the period of time at the first or other casino,then the present casino may block the player's play.

[0191] In one embodiment, the system maybe implemented via aclearinghouse or more centralized system which one or more casinos orother gaming entities utilize. In this arrangement, all playertransactions may pass through the clearinghouse, such that tracking andmonitoring is centralized.

[0192] As one example of such an embodiment, a particular jurisdictionmay have regulations regarding the financial transactions of a player,such as maximum loss by a player at any gaming entity in thejurisdiction. In order to ensure that this regulation is satisfied, eachgaming entity may utilize a system such as described herein formonitoring or tracking the player's financial activities. In oneembodiment, an entity of the jurisdiction, such as a gaming controlboard or an entity under the direction of such an authority, may trackplayer data from all gaming entities via a centralized system. Thissystem may include a central financial host or server with communicationlinks to each gaming entity. The central financial host may be arrangedto store consolidated player account information. When a player engagesin a financial transaction at a particular gaming entity, thattransaction may be monitored at the financial server for that particulargaming entity. In addition, the player's financial transactioninformation is forwarded to the central financial host, where it isaggregated with transaction information regarding that player providedby other entities.

[0193] In such an embodiment, before a particular gaming entity allows aplayer to engage in a transaction, the financial server may be arrangedto poll the central financial host to determine if the player iseligible to engage in the transaction. In another embodiment, if aplayer violates particular regulations or rules as determined at thecentral financial host from the player's aggregated information, thenthe central financial host may send information to the gaming entitiesindicating the status of the player, such as that the player is notpermitted to place additional bets for a predetermined period of time.

[0194] In an embodiment where a player's actions are tracked at avariety of different gaming entities, a means must generally exist foridentifying a player across or between those different casinos or othergame providers. In one embodiment, this may require that the playerutilize the same identification at the different gaming entities. Forexample, in one embodiment a jurisdictional gaming control board mayrequire that all players identify themselves with a unique identifierwhich is associated with the central financial host and each particulargaming entity. In another embodiment, a player's account may include“alias” player identification information by which the player may beidentified. This information may comprise, for example, the playertracking identification assigned to the player by the different gamingentities and bank or other identification information. In oneembodiment, in order to protect unique player identification informationbelonging to a particular gaming entity from becoming known to anothergaming entity, the “alias” information may only be kept and used at thecentral financial host.

[0195] A particular advantage of the invention is realized over knownplayer tracking systems. In known player tracking systems, a playeridentifies themselves with a player tracking card. The gaming machinesends coin in and coin out data for creating individual game playrecords. A problem with this arrangement is that a player may playdifferent gaming machines at different times, and it is difficult tomonitor a player's cumulative activities. In accordance with theinvention, all financial transaction information is monitored through afinancial transaction host or via similar means, and the player'sfinancial transactions are tracked independent of information providedfrom each gaming machine. In the arrangement of the invention, thefinancial information is tracked centrally from an account or accountsbelonging to the player. This information tracking or generation can beindependent of coin in/coin out data generated by a gaming machine.

[0196] In one embodiment, the transactions of more than one player maybelinked. For example, in one embodiment, the transactions of members of afamily may be associated with a single account. This allows, forexample, a family to monitor their transactions in totality.

[0197] In another embodiment, the transactions of multiple players maybe linked even though separate accounts are associated with the players.In this arrangement, the financial information or data associated withthe various players in the various accounts may be aggregated fordetermining transactions, such as group loss, in totality.

[0198] In one or more embodiments of the invention, the method of theinvention may include the step of a casino or other entity preventing aplayer (or in the event of linked players, such as a family, multipleplayers) from playing games or deducting monies from their account forat least a period of time in the event it is determine the player hasincurred at least a predetermined loss in a predetermined period oftime. For example, if a player loses more than a predetermined amount ofmoney playing games, then the player may be prevented from further playuntil a period of time expires. This aspect of the invention may beimplemented as computer code at the financial server. In the event theloss criteria are met, the software may prevent deductions of moniesfrom the account. The deductions may be limited to requests for creditat gaming machines, or may also include player attempts to withdrawmonies, such as at a cashier cage.

[0199] One or more aspects of the invention may be implemented at one ormore outside financial institutions instead of directly at a casinoother gaming establishment. In such an arrangement, the financialtransaction information may be transmitted from the casino to thefinancial institution for association with a file/account at thefinancial institution.

[0200] While specific reference is made to player losses herein, will beappreciated that the invention may be used to determine a player'swinnings or financial gain as a result of game play. As described below,in one or more embodiments, a determination of win may be used for avariety of criteria, including ceasing of further play to ensure theplayer does not bet won amounts.

[0201] A number of other configurations of methods and apparatus arecontemplated. One or more additional aspects of player tracking andfinancial accounting/monitoring maybe implemented using the apparatusand systems described herein.

[0202] In accordance with the invention, a player has control over theirfinancial account. In one embodiment, so does the casino. The casino mayaccess the player's account for a variety of purposes, such as limitingthe total amount a player may withdraw from their account. For example,a casino may monitor player accounts and apply criteria to determine ifa player is losing large sums or is engaging in uncommon accountactivity. If the player is suffering large losses, a casino may freezethe player's account or limit the total amount the player may withdraw.This aspect of the invention may be used to protect the player. Thecasino may also become aware of unusual account activity and freeze theaccount or conduct and investigation. Such an investigation may resultin a finding that the player's card has been stolen and is being used byanother party. In one embodiment, a player may indicate to the casino amaximum amount which the player is willing to lose in a predeterminedperiod of time, allowing the casino to stop further play if the playermeets that threshold. A player may also indicate to a casino that if aplayer wins a predetermined amount, the player wishes to have the casinoprevent the player's further play.

[0203] In one embodiment, a casino may deduct taxes due from a winningdirectly from the player's account. Upon a win, the casino may determinethe tax liability and transfer the withholding to a withholding accountor directly transfer it to an IRS deposit account.

[0204] A casino may offer accounts with a variety of casino determinedcriteria. For example, a casino may offer accounts which have anexpiration date. In the case of prepaid cards, the accounts associatedwith the cards may become unusable after a predetermine date or apredetermined time after purchase. In this manner, the length of timethat the casino is exposed to play of the moneys is not unlimited.Amounts which are deposited into a player's account may also expire. Forexample, if a player redeems points for financial awards, the financialawards may have an associated expiration date by which the funds must bebet or bet lost.

[0205] A casino may enable usage of a financial account via on-line gameplay and table or other games besides electronic and electromechanicalgaming machines. For example, a blackjack table may be fitted with cardreaders and keypads, and all chips bet and won may be accounted for viathe system 100, such as by reading a bar code provided on the chips. Aplayer may use their card to obtain $100 in chips at a table, andwinnings may be credited by the dealer to the player's account.

[0206] Access media may be provided other than magnetic stripe card. Inaddition, a casino may not require that a PIN or other identifier beinputted in order to access the account.

[0207] A casino may permit a player to access their account informationin a wide variety of manners. As illustrated in FIG. 2, a casino mayprovide kiosks 132 at which a player may access their account and obtainaccount information or manage their account. A player may also obtainaccount information and manage their account at a cashier station 126 orother customer service location.

[0208] In one embodiment, a player may utilized their casino card at anautomated teller machine (ATM) in similar manner to a bank card. Theplayer may withdraw funds from the account in the form of cash dispensedat the ATM.

[0209] A casino may enable a player to access their account from a room.An interface, such as integrated with a television, may be providedwhich permits a player to view account information and manage theiraccount.

[0210] The present invention in more general application has numerousbenefits and advantages. In one embodiment, an account of the presentinvention is configured to permit minors to make financial transactions.In accordance with the invention, a debit account is established by orfor the minor. Because of the existence of the funds in the account, aminor may complete a transaction without concern to the accountprovider/financial institution that the minor will pay for goods.

[0211] In one or more embodiments, this arrangement permits a customerto “buy” an account for use by another person in a fixed amount. In thismanner, the account may be used as a gift. This arrangement has theadvantage that the recipient of the account can utilize the fundsassociated with the account to make a purchase or pay for goods/servicesfrom essentially any location. The recipient may purchase goods on-lineor at a store. The recipient is not limited to a particular store ormall.

[0212] The customer may also utilize one or more of the accounts insimilar fashion to travelers checks. Because the funds associated withthe accounts are different, a loss such as by theft of a single accessmedia does not affect the remaining funds. For added security, eachaccess media may have a different access code.

[0213] Parents and others may arrange an account for their children. Thechildren are not permitted to spend more money than their parentsprovide, because of the arrangement of the account. On the other hand,the parents can provide their children with a convenient means forpaying for items even though they may be located a great distance apart.The parents may also access the account to track purchases and othertransactions by their children. The parents may also arrange the accountas an “allowance” account, where funds are placed into their children'saccount at predetermined intervals without specific action by theparents or children at the time of each deposit.

[0214] The methods and accounts of the present invention has severalsafety features. In one embodiment, an account may expire after apredetermined time. In this arrangement, the risk that a thief may findand be able to use a lost access card is reduced. The account isassociated with a unique account signature which is generated from datawhich is difficult to obtain.

[0215] The methods and accounts permit a wide range of transactions,including a number of very specific transactions which are not presentlyfacilitated. For example, a vendor may establish promotional accountsfor current and potential customers. One advantage of a promotionalaccount is that a large company may establish accounts which customerscan use at one or more of their stores located in different areas. Forexample, a retailer having outlet in Los Angeles and New York may issuecards associated with accounts for use by customer at either location.This arrangement is also advantageous for franchisees: the franchisermay sponsor a promotion for their franchisees whereby the discount oramounts provided to the customers are paid for by the franchiser.

[0216] A promotional account may also be a prize or award. A vendor mayaward an account to one or more customer who win a contest or drawing orthe like. A vendor may also arrange the promotional account with anexpiration date requiring the customer to utilize the account within apredetermined time.

[0217] A customer may establish a charity account for themselves, or acharity may establish an account for a customer. For example, a charitymay seek donations from customers in the form of deposits into a charityaccount established by the charity for the customer.

[0218] In one or more embodiments, a customer or other user of apromotional account may be prevented from any account activities exceptuse of the account to facilitate a purchase. The customer or user towhom the account is issued may be prevented from obtaining funds fromthe account (such as cash) or viewing data associated with the accountsuch as the remaining balance or the like. A customer may also beprevented from merging the account or adding funds to the account. Onthe other hand, a vendor may be permitted to track all purchases andother uses of promotional accounts. In this manner, the vendor canobtain important data regarding the customer, including their spendinghabits, spending locations and similar information.

[0219] A business may use the account for business to businesstransactions. For example, a business may set up a master account and anumber of sub or allowance accounts. The business may use the accountsto pay suppliers of goods and services. The master account may comprisea main account for the business and each allowance account an accountrelating to a particular vendor or project. Commensurate with billing oran accounting period, the business may have arranged an automatictransfer of funds from the master account to one or more of theallowance accounts, and from one or more of the allowance accounts toeach particular supplier for their bill.

[0220] It will be understood that the above described arrangements ofapparatus and the method therefrom are merely illustrative ofapplications of the principles of this invention and many otherembodiments and modifications may be made without departing from thespirit and scope of the invention as defined in the claims.

I claim:
 1. A system for monitoring player financial transactions in agaming environment for tracking player loss comprising: a plurality ofgaming devices; a financial transaction host, said financial transactionhost in communication with each of said plurality of gaming devices viaa communication network, said financial transaction host includingmemory for storing at least one data file corresponding to a player andidentifiable with a player identification, said at least one data fileincluding financial information including at least monetary amountsassociated with said player for use in playing one or more of saidplurality of gaming devices; and means for determining a player'sfinancial loss from said financial information.
 2. The system inaccordance with claim 1 wherein said financial information comprisesamounts deposited by said player.
 3. The system in accordance with claim1 wherein said system includes means for establishing a communicationlink with an outside financial institution, and wherein said financialinformation comprises information regarding funds requested by saidplayer from said institution.
 4. The system in accordance with claim 3wherein said player identification comprises information identifyingsaid player at said financial institution.
 5. The system in accordancewith claim 1 wherein said financial information includes amounts bets bysaid player in playing one or more of said plurality of gaming devices.6. The system in accordance with claim 1 wherein said financialinformation includes monetary amounts awarded to said player playing oneor more of said plurality of gaming devices.
 7. The system in accordancewith claim 1 including at least one player identification input devicefor accepting said player identification.
 8. The system in accordancewith claim 8 wherein said at least one player identification inputdevice comprises a card reader.
 9. The system in accordance with claim 8including at least one currency dispensing apparatus for dispensingcurrency associated with a player account at a financial institution andwherein said card reader is associated with said currency dispensingapparatus.
 10. A method of monitoring player financial activities in agaming environment in which a player may play one or more gamescomprising the steps of: generating a financial account corresponding toa player, said account represented by at least one data file, said atleast one data file adapted to contain financial information; storingfinancial information regarding monetary amounts belonging to a playerwhich may be used to play said one or more games; storing financialinformation regarding monetary amounts expended by a player in playingsaid one or more games; and determining player loss from said financialinformation.
 11. The method in accordance with claim 10 wherein saidstep of generating a financial account includes associating a playeridentifier with said account.
 12. The method in accordance with claim 11including the step of identifying a player with said player identifier.13. The method in accordance with claim 11 wherein said playeridentifier is associated with a player's financial institution.
 14. Themethod in accordance with claim 10 wherein said financial informationregarding monetary amounts belonging to said player comprisesinformation regarding amounts deposited by said player to said accountand amounts awarded to said player and credited to said account inassociation with said player's play of said one or more games.
 15. Themethod in accordance with claim 10 wherein said financial informationregarding monetary amounts belonging to said player comprises creditrepresented by financial data transmitted from a remote financialinstitution.
 16. The method in accordance with claim 10 including thestep of preventing said player from utilizing monetary amountsassociated with said account to play said one or more games for at leasta period of time if said determined player loss meets certain criteria.17. A method of monitoring game player financial transactions associatedwith at least one game station coupled to a server, the server includingat least one data file representing a player account, said accountcontaining player financial information comprising the steps of:crediting monetary amounts to said player for use in playing a game atsaid game station to said at least one data file; accepting input fromsaid player transmitted from said game station to said server, saidinput including player identification information; deducting amounts betby said player in playing a game at said game station from said playeraccount; determining said player's net financial gain or loss from saidcredit monetary amounts and said deducted amounts.
 18. The method inaccordance with claim 17 wherein said crediting step comprises creditingan amount won by said player in playing a game at said game station. 19.The method in accordance with claim 17 wherein said playeridentification information comprises information identifying said playerto a financial institution.
 20. The method in accordance with claim 17including the step of preventing said player from deducting amounts fromsaid account if said player is determined to have incurred a particularfinancial loss during a particular period of time.